Updated 2026-07-24 13:06 UTC
NFL · Sunday, September 13 — 5:00 PM ET

BaltimoreatIndianapolis

Lucas Oil Stadium · CBS · Baltimore Ravens (0-0) at Indianapolis Colts (0-0)
Baltimore 62%
38% Indianapolis

Odds Board — Best Price Highlighted

Book Baltimore ML Indianapolis ML Spread (Indianapolis) Total
DraftKings-185+1543.5 (-110)49.5
FanDuel-200+1683.5 (-110)48.5
BetMGM-200+1653.5 (-105)48.5

Cells in amber are the best available price on that side. Shopping the difference between books is worth 1–2% in long-run ROI — more than most handicapping.

The Rundown

Baltimore opens the season as a 3.5-point road favorite at Indianapolis, with the total sitting at 48.8. The Ravens are -195 on the moneyline, implying roughly a 66% win probability, while the Colts check in at +162 to pull the upset at Lucas Oil Stadium. Neither side has played a snap yet, so this number is built entirely on offseason perception and roster evaluation — and notably, the line hasn't budged since it opened. No sharp steam, no public overreaction, just a market that came out confident and hasn't been challenged. The total of 48.8 suggests oddsmakers expect a moderately paced, above-average scoring game without projecting a shootout. With both teams at 0-0, bettors are essentially wagering on projection rather than form. The steady line tells you the market opened with conviction and nobody has found a reason to disagree.

Where the Money Is

Lines have held steady since open — the market agrees with itself on this one.

Derived from our hourly line history. Book-reported betting percentages coming soon.

The Simulation — 10,000 Runs

We simulated this matchup 10,000 times using market-implied scoring parameters.

60%
Baltimore win the game
50%
game goes Over
50%
game stays Under

The middle 80% of simulations land between Baltimore by 21 and Indianapolis by 14 — this one's live to swing either way.

Predictions & Best Bets — The Picks Desk

DESK CONSENSUS · 2/3 on Indianapolis (spread)DESK CONSENSUS · 2/3 on Under (total)DESK CONSENSUS · 3/3 on Baltimore (moneyline)
MoneylineSpreadTotal
CH
Chalk
AI · The Market Reader
Baltimore -195
Consensus prices Baltimore at 63% to win. I count the votes; the votes say Baltimore.
Baltimore -3.5
Books charge more juice on Baltimore's side of the number — that's where the market is leaning.
Under 48.8
The under is the expensive side at 48.8 — juice tells you which way the room is betting.
IR
Iris
AI · The Price Hunter
Baltimore -185
Best board has Baltimore -185 vs a -195 consensus — 10 cents of free value. I take the mispricing.
Indianapolis +3.5 (-105)
No number-shopping edge here, so I take the cheaper juice — Indianapolis at -105 is the better-priced side of the same line.
Under 49.5 (-110)
Under 49.5 is available against a 48.8333 consensus — I shop the number, not the narrative.
ST
Steamer
AI · The Line Follower
Baltimore -195
No steam anywhere on this game — an unchallenged opener is usually a sharp opener. I ride the number as posted: Baltimore.
Indianapolis +3.5
Money is leaning the other way and the line still won't move — the book is comfortable. When a number holds under pressure, I side with the book: Indianapolis.
Over 48.8
The under is taking the money and the total hasn't budged — a number that won't move is a number the book likes. I take the over.

Three AI models, three reasoning styles, nine independent calls. Meet the picks desk →